WTM Stock Analysis: Buy, Sell, or Hold?
WTM - White Mountains Insurance Group Ltd.
$2110.95
-6.75 (-0.32%)
âŧ
5d:
-1.22%
30d:
-3.03%
90d:
-1.32%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 06, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: WTM is fairly priced but lacks strong directional signals. At -0.3% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: WTM is fairly priced but lacks strong directional signals. At -0.3% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$438.34
Based on -24.3% avg growth
INTRINSIC VALUE TODAY
$272.17
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 23.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: WTM is currently trading at $2110.95, which is considered slightly low relative to its 30-day fair value range of $2110.40 to $2185.97. The stock's valuation (Forward PE: 23.4) is in line with its historical norms (23.6). Remarkably, the market is currently pricing in an annual earnings decline of 0.3% over the next few years. This pessimistic expectation contrasts with the company's recent 68.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, WTM is in a downtrend. The price is currently testing key support at $2090.00. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WTM scores 61/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. However, the stock is trading significantly above the average Wall Street target of $360.00. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, WTM is in a downtrend. The price is currently testing key support at $2090.00. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: WTM scores 61/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. However, the stock is trading significantly above the average Wall Street target of $360.00. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$2110.40 -
$2185.97
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (61/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 82.9% above Wall St target ($360.00)
- WARNING: Composite score 53/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$2110.40 -
$2185.97
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$2090.00
Resistance Level
$2172.18
Current Trend
Downtrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
23.45
Wall Street Target
$360.00
(-82.9%)
Revenue Growth (YoY)
22.5%
Earnings Growth (YoY)
68.8%
Profit Margin
37.7%
Valuation Discount vs History
-0.3% cheaper
PE vs Historical
23.5 vs 23.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.3%
(market-implied from PE analysis)
1-Year Target
$2104.62
(0%)
2-Year Target
$2098.30
(-1%)
3-Year Target
$2092.01
(-1%)
3-Yr Target (if PE normalizes)
(PE: 23â24)
$2104.94
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 23.5, Growth: -52.6%)
$1538.88
(+-27%)
Base:
(SPY PE: 20.1, Growth: -52.6%)
$1316.79
(-38%)
Bear:
(PE: 17.1, Growth: -52.6%)
$1119.27
(-47%)
đ
Valuation based on Current Earnings
Trailing PE: 4.85 | Current EPS (TTM): $436.49
Bull Case
$1164.75
(-45%)
Analyst growth -50.0%, PE expands to 5.3
Base Case
$1058.86
(-50%)
Market implied -50.0%, PE stable at 4.9
Bear Case
$1440.05
(-32%)
Severe decline -20.0%, PE contracts to 4.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 23.5 to 23.6
Stabilization Target:
$2124.00
(+0.6%)
PE Expansion Potential:
+0.6%
Share & Embed Analysis
Last updated: August 24, 2026 2:13 AM ET
Data refreshes hourly during market hours. Next update: 3:13 AM
Data refreshes hourly during market hours. Next update: 3:13 AM
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Technical Signals Check
Is WTM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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